I agree all insurance plans are different. We have an HMO and the neurologist prescribing the strattera for our son had to fill out a form and send it into the ins. company to get approval for the new med. It was not considered to be a problem since my son also has tics and the stimulants made them worse. Our HMO approved the strattera but at a higher co-payment than usual. So something to watch out for. Our usual co-payment is $20 but it was $35 for the strattera because it is so new it is not on their formulary yet. Hopefully this co-payment will go down in time.